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As a nonprofit, full-service financial institution, part of our mission is to provide financial education so you can feel confident that you're making informed financial decisions.


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Sep 17


Jenna, Vice President, Operations

Jenna, Vice President, Operations

Pacific Service Credit Union has been notified of a card compromise related to Home Depot stores that may affect your Pacific Service CU credit, debit and ATM card(s). The compromise took place at all U.S. and Canadian Home Depot stores between April 1 through September 8, 2014.


As a valued Pacific Service CU member, we want you to know that it is our top priority to maintain the privacy and security of all of our cardholders. We are working with Visa to determine the number of cards which were impacted by this unauthorized access. If we determine that any card is at risk, you will be notified and your card will be blocked and replaced. However, the card will be available for use until the new card is activated.


Your Pacific Service CU Visa debit or credit card features Visa’s Zero Liability policy which provides added security against fraudulent activity. In addition, our fraud monitoring systems work 24/7 and are designed to recognize suspicious charges and fraud on your accounts.


In the meantime, we encourage you to monitor your accounts for unauthorized activity. You can check transaction history and set up email alerts in BranchLine. We strongly caution you not to provide any information to those calling you claiming to be Pacific Service CU. These scams are intended to gather more information about you and your account in an attempt to use your old or possibly your new Pacific Service CU card(s). If you notice anything suspicious, please call a member service representative at (888) 858-6878 as soon as possible.


Home Depot is offering free identity protection services & credit monitoring to any customer who shopped at a Home Depot store in 2014, from April on. For more information about the situation, please visit the Home Depot website.

Jun 26


by Michelle

by Michelle, Assistant Vice President, Operations

by Michelle, Assistant Vice President, Operations

Being prepared is key when traveling out of the state or out of the country. Using your card is a safe and convenient way to pay for purchases while on vacation.  However, there are precautions that should be taken when traveling with plastic – for both debit and credit cards.


Call and let us know your travel plans. This can prevent our fraud monitoring systems from viewing your charges as suspicious and blocking further charges. Our computer programs that monitor your transactions can be tailored to fit your travel schedule. If our system spots unusual charges outside your normal spending profile – for example you live in San Francisco and you’re checking into a hotel in London– it might assume your card information has been stolen.


If we are not able to get in touch with you to verify charges, your card may be blocked until we can verify that it’s really you using the card. Remember, we will never ask for your credit card number or account number. You will be asked to verify ONLY the last four digits of your Social Security Number.


Here are a few phone numbers to take with you when you travel:

Pacific Service CU
(888) 858-6878 (925) 609-5288


After Hours
(866) 692-8669 – service center


(800) 543-5073 – report lost or stolen cards
(888) 241-2440 – declined transaction (using your PIN)

Outside US call collect (909) 941-1034
(800) 890-5097 – declined transaction (using signature)

Outside US call collect (727) 556-9000


Your pre-departure communication with us is also a good time to discuss any questions you may have regarding foreign transactions and provide us with the best way to reach you to verify spending.


By taking the time now to enable and protect your card, you can ensure that your travel plans will have no interruptions and you will receive all of the benefits your card has to offer.

Apr 1




Great news!  If you’re tightening your budget or even just trying to save a little money – we’ve got a great deal for you.


Give your finances a workout by trimming high-rate credit cards with a no-cost balance transfer. It’s the easy way to save money on interest and lower your monthly payments.


For a limited time, we’re offering  1% cash back on Visa balance transfers.  Our Visa Platinum Card features no annual fee, no balance transfer fee and no cash advance fee – now that’s a great deal!


When you transfer your credit card balances from another lender to your Pacific Service CU Visa Platinum Card by June 30, 2014, we’ll give you 1% cash back—up to $100.


It’s easy to take advantage of this special cash back offer. Apply online for an instant loan decision or call a member service representative at (888) 858-6878.  We’re ready to help.


Dec 10



Collecting your coins can add up to big money! You may be surprised that your spare change could make for a nice bonus around the holidays.


If you’re like me, you have coin stashes in piggybanks, bags and containers around your house. Collect the coins yourself or make it a fun project for the kids.


Next stop, Pacific Service CU. Bring your coin collection into one of our five Coinstar coin counting machine locations. Simply pour your change into the Coinstar tray and watch your total add up. Our friendly member service representatives can give you cash or deposit the amount into your account. Or, let the kids use some of the money on holiday gifts for family or friends! It’s easy and free for members.


Stop by our San Francisco, San Ramon, Pleasant Hill, Livermore or Fresno branch to try Coinstar.


Good luck with your coin counting and happy holidays!


by Kristin, Vice President, Marketing

Dec 3



At Pacific Service Credit Union, we believe that teaching children and young adults about money management instills important financial habits that last a lifetime. That’s why we’ve designed a suite of products specifically suited to children and young adults.


Take a moment to review our age-specific products and help someone in your family to a lifetime of savings:


Savings Accounts
We believe it’s important to teach our children and grandchildren to save money. For young adults, we’ve lowered our certificate minimums to only $100 to make it easier to maximize their earnings. We also encourage members under age 21 to save by adding an extra $5 to their account when they deposit their birthday money with us.


FirstStep Checking
FirstStep Checking was created for members 23 and under. It features no minimum balance requirement, no monthly fees, and out-of-network ATM fee reimbursement up to $3 per transaction and $12 per month. And it still has all the “frees” of our regular checking accounts like a Visa debit card, mobile banking, online banking, eStatements and bill pay.


Visa Platinum Starter Card
We also want to instill the importance of building a positive credit history. That’s why we developed our Visa Platinum Starter Card program. It features no annual fee and a $500 initial credit limit, which is perfect for first-timers while they learn how to manage credit. The credit limit is reviewed annually as the member builds a positive credit history.


First-Time Car Loan
Buying a car is likely in your young adult’s future. They imagine color, style and features, but they also need to consider a low rate and an affordable monthly payment. That’s where we come in. With a job, a college degree or a parent co-signer, we can help them qualify for our lowest rates. That’s a huge benefit and a rare opportunity.


We know our kids have challenges ahead, but finding affordable financial services shouldn’t be one of them. Check out our website devoted to our young adult members for more information.


If your child or grandchild isn’t already a Pacific Service CU member, it’s the perfect holiday gift. Skip the “cash in a card” and give them financial benefits that last a lifetime.


You may also be interested in:
The “I want that!” lesson for kids
Young Adults and Money 101
Ten Ways for Young Adults to Build Credit


by Kristin, Vice President, Marketing

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